Payment for housing and communal services through Yandex - step-by-step instructions

What can you pay on the Yandex site?

Yandex Money is a universal platform. If initially it was a platform for transactions with electronic money, now you can pay any receipts remotely from it. Through Yandex, payments for housing and communal services are carried out entirely online. You pay your bill without leaving home, without standing in lines.

What you can pay through the service:

• traffic police fines. Moreover, you can not only pay fines using the receipt in hand. You can enter your license and vehicle data into the system, and it will find all existing fines and offer to pay them;
• taxes. You can also find out the amount of taxes payable by entering your Taxpayer Identification Number (TIN) and pay everything at once. You can also make a simple payment using a receipt;
• making payments to pay off debt to microfinance organizations that have entered into an agreement with the Yandex system. These are Denga, Home Money, Webbanker, Migcredit and some others;
• payment of loans to banks that have entered into an agreement with Yandex for making payments. These are Home Credit, Kwiku, Absolut Bank, Alfa Bank, VTB, Credit Europe Bank, MTS, Post Bank, OTP, Renaissance and many other organizations popular among borrowers;
• payment for a mobile phone of any operator;
• any receipts, housing and communal services from suppliers throughout Russia.

Payment for services of any type is made only from bank cards or Yandex electronic wallets.

Yandex money system

The Yandex Money system is one of the largest providers of financial virtual services. In order to make a payment for utilities through Yandex Money, the user does not have to spend a lot of time. All information is displayed in large icons on the main page, and navigation is simplified to the minimum so that even a person who has never made payments can easily figure it out and complete the transaction.

You can make payments through the Yandex system in the following way:

1. By bank card.
2. Yandex electronic wallet.
3. Cash in Yandex, Sberbank and Euroset terminals.

The credited funds are credited to the utility provider's account the next day, and not after three days, as happens when paying through a bank.

Payment for housing and communal services on Yandex Money

The times when people went to the bank or post office to pay utility bills are gradually becoming a thing of the past. Nowadays, in queues with tickets in their hands, you can only see pensioners who are far from modern technologies.

Most citizens pay for housing and communal services via the Internet. Most often, an online bank of a service organization is used for this, for example, the same Sberbank. And the Yandex Money platform is exactly the same system where you can pay for anything from any bank card, be it a debit or a credit card.

Advantages of paying utility bills in Yandex:

• remote execution of an operation without queues or interruptions in work. Payments are accepted around the clock;
• You can use a card from any bank, including credit cards;
• The system has already entered the details of hundreds of housing and communal services companies operating throughout Russia. This means that you will not need to constantly enter details. You will enter the company's TIN, and the system will pull up the required data. As a result, the possibility of making mistakes or sending funds to the wrong place is eliminated;
• quickly search for the desired company by tax identification number. There is no need to rummage through the catalog, you simply enter the TIN of the desired organization in the search bar, and the system instantly finds the desired company;
• To pay, it is not at all necessary to have an account on Yandex or a registered e-wallet.

Payment of housing and communal services without commission and with cashback

You can get cashback for paying for housing and communal services by using the Megafon intermediary card (the phone balance is equal to the card balance). To do this, you need to top up Megafon’s balance on the mobile operator’s website with MCC 4814. For this MCC, “Corn” with “Double Benefit” will give 3% cashback (without “Double Benefit” - 1.5%), “Beeline” will give 1% , “Touch Bank” – also 1%.

Tariffs are constantly changing, as is the size of the commission for paying for certain services on various services. At the moment, the most profitable way to pay for housing and communal services is to use debit or credit card from Vostochny Bank with 5% cashback for MCC 4900. Recently, an OTP Bank credit card “Big cashback” with 7% cashback for this MCC. On the website kvartplata.ru using the ULS number (unified personal account) you can pay for housing and communal services without commission.

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How to pay housing and communal services through Yandex

So, you have a receipt in your hands that you need to pay. Any service provider: it could be payment for gas, electricity, housing maintenance, water, heating, major repairs. Any services are subject to payment.

How to do it all:

1. There is no need to scroll through the catalog of service providers; it is huge and includes companies operating throughout Russia. It's easier to use the search form. Go to the Yandex Money website, then select Payment for services, just below after the description of the categories you will see a search bar. Enter the TIN of the housing and communal services company into it, it is in the receipt in the details.
2. The search will return the company name, click on it. The system will display the details of this company. It happens that they have several accounts. In this case, select from the list the one marked on the receipt.
3. Next, the system will ask you to enter the full name of the payer and the type of paid services.
4. On the next page you need to enter your personal account or receipt number. You will see this number on the receipt itself. Next, indicate the month for which the payment is made and the amount. The system immediately writes the amount of the commission.
5. The last stage is entering the details of the card from which payment will be made. This is the number, expiration date and CVV code. Afterwards, the client is redirected to the security page, where he needs to enter the code sent by the bank to his phone number. After confirmation, the operation will be completed. In fact, the payment period is 2-3 business days.

Standard receipts are paid like this. Some may pay slightly differently. For example, when paying for gas from some suppliers, a person just needs to enter his personal account number, and the system itself will indicate how much to pay. You can contribute just this one or any other one.

Everything is intuitive. Find the right housing and communal services provider and simply follow the given algorithm of actions.

A commission is charged for making payments. When filling out a payment card, the system will immediately show the amount of commission for this supplier. Most often this is 2% of the payment amount, but the minimum is 30 rubles.

Paying utilities via the Internet: all available methods

If you are not yet a user of an electronic wallet from Yandex, it will not be difficult to create one. First, you will need to register a mailbox and then create an account in the payment system in the Money section. It is required to link it to a mobile phone.

Further, the payment procedure is similar to online banking. It is necessary to select the service provider to whose account the payment is made, indicate the payer’s personal account number and confirm it with an SMS code. Enrollment occurs in approximately 1-3 days and it is possible to print a payment document confirming the payment made.

26 Jan 2020 etolaw 366

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Payment from Yandex cards or wallets

If you have an electronic wallet in the Yandex system, you can make payments through it. Then first you need to log in to the Yandex Money website, and then start paying utility bills.

Citizens who use Yandex cards receive some privileges. A special point cashback has been developed for them. When paying for goods, the debit card holder receives cashback points, which can be used to pay at some utility service providers. Points can be used to compensate up to 50% of the payment amount. If the selected supplier allows you to pay this way, a special icon will be displayed on their card.

How to pay for utilities without additional fees: pay for housing and communal services online without commission

1. Almost all banks accept payments for heat, water, electricity and others. On the one hand, everything is easy: just come to the branch and pay in cash. But this type of payment hides a catch: sometimes banks charge a commission.

Payment terminals are convenient, but many people do not know how to use this equipment. Such terminals are installed in crowded places: supermarkets, train stations, and subways. To use the service, you must enter a unique number assigned to the payer and the amount to be paid. Money is inserted into a special hole, payment is confirmed, and the funds are sent to the supplier via the Internet. The commission fee will be from 3 to 5% of the amount.

2. If the payer is a client of the Bank of Moscow, Sberbank, he can enter into an agreement on the transfer of money and make payment through the Russian Post service with a fee of 1–3%.
3. Numerous self-service machines are available for payment: depositors, ATMs, information kiosks. When paying using this method, no commission is charged only when transferring funds directly from a bank card. In other cases, the additional payment will be 1.5%.

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Payment reminders, templates, automatic payments

If you log in to Yandex services and then go to Yandex Money to pay for services, you can create templates in the system. After making a payment that you plan to make regularly, click the star on its card. As a result, it will appear in your favorites.

Upon logging into the Yandex Money system, the client immediately sees his favorite payments, they are displayed on the main page. You can quickly find the one you need, click on it and make a payment. All data will already be entered, all that remains is to change the payment period and amount.

You can make reminders if you wish. Then, if the payment date is approaching, the client receives a letter to his email address. You can also immediately set up automatic payments, and on the appointed day the system itself will debit money from your card or e-wallet and send it to the desired service provider. This is the easiest way to pay for housing and communal services in Yandex Payments.

about the author

Irina Rusanova - higher education at the International East European University in the direction of "Banking". Graduated with honors from the Russian Economic Institute named after G.V. Plekhanov with a major in Finance and Credit. Ten years of experience in leading Russian banks: Alfa-Bank, Renaissance Credit, Home Credit Bank, Delta Credit, ATB, Svyaznoy (closed). He is an analyst and expert of the Brobank service on banking and financial stability. [email protected]

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